{"id":2737,"date":"2025-06-03T14:58:35","date_gmt":"2025-06-03T18:58:35","guid":{"rendered":"https:\/\/cadimmigration.com\/?p=2737"},"modified":"2025-06-03T14:58:36","modified_gmt":"2025-06-03T18:58:36","slug":"newcomers-to-canada-achieve-higher-homeownership-rates-over-time-study-finds","status":"publish","type":"post","link":"https:\/\/cadimmigration.com\/?p=2737","title":{"rendered":"Newcomers to Canada Achieve Higher Homeownership Rates Over Time, Study Finds"},"content":{"rendered":"\n<p>A new analysis from <strong>Statistics Canada<\/strong> reveals that immigrants to Canada steadily progress toward homeownership as their years of residence increase\u2014and eventually surpass the Canadian-born population in overall housing use.<\/p>\n\n\n\n<p>The study, conducted by researchers <strong>Haozhen Zhang and Feng Hou<\/strong>, examined housing use trends among <strong>new permanent residents<\/strong> and <strong>non-permanent residents<\/strong> (such as international students and temporary foreign workers), using 2021 census data.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\"><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-vivid-red-color\">Key Findings: The Journey from Renting to Homeownership<\/mark><\/h2>\n\n\n\n<p>The study tracked housing trends over 20 years of immigrant residency, measured as <strong>housing units used per 1,000 individuals<\/strong>, including both owned and rented dwellings. The results show a <strong>clear upward trajectory in homeownership<\/strong>, with newcomers shifting from renters to owners as they settle and integrate.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\"><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-vivid-red-color\">Phase 1: First Five Years in Canada \u2013 Renting Dominates<\/mark><\/h2>\n\n\n\n<p>In the initial years after arriving in Canada, most immigrants rent their homes. During this phase, economic constraints, the need to build credit, and lack of long-term stability limit their ability to purchase property.<\/p>\n\n\n\n<p>At the time of landing (Year 0), immigrants use:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>52 owned units per 1,000 people<\/strong><\/li>\n\n\n\n<li><strong>269 rented units per 1,000 people<\/strong><\/li>\n<\/ul>\n\n\n\n<p>By the fifth year:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Owned housing use rises to 147 per 1,000<\/strong><\/li>\n\n\n\n<li><strong>Rented housing use drops to 170 per 1,000<\/strong><\/li>\n<\/ul>\n\n\n\n<p>The combined housing use grows from <strong>321 units at landing<\/strong> to <strong>317 by year five<\/strong>, indicating a shift from shared accommodations to individual household formations.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\"><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-vivid-red-color\">Phase 2: Years 5 to 10 \u2013 Ownership Becomes the Norm<\/mark><\/h2>\n\n\n\n<p>Starting in the <strong>sixth year<\/strong>, immigrants begin to <strong>own more homes than they rent<\/strong>. This turning point reflects their growing financial stability, increased access to credit, and higher job security.<\/p>\n\n\n\n<p>By the 10th year:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>218 units are owned per 1,000 people<\/strong><\/li>\n\n\n\n<li><strong>150 are rented per 1,000 people<\/strong><\/li>\n<\/ul>\n\n\n\n<p>The total housing use climbs to <strong>367 units per 1,000<\/strong>, suggesting immigrants are more likely to live in their own households than in shared rentals.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\"><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-vivid-red-color\">Phase 3: 10 to 15 Years \u2013 Closing the Gap with Canadian-born Population<\/mark><\/h2>\n\n\n\n<p>Between years 11 and 14, immigrants&#8217; homeownership rates continue to grow, while rental occupancy gradually declines.<\/p>\n\n\n\n<p>By year 15:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>267 owned units per 1,000<\/strong><\/li>\n\n\n\n<li><strong>143 rented units per 1,000<\/strong><\/li>\n<\/ul>\n\n\n\n<p>Total housing use stands at <strong>409 per 1,000<\/strong>, <strong>exceeding<\/strong> the <strong>397-unit<\/strong> average among Canadian-born individuals.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\"><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-vivid-red-color\">Phase 4: 15 to 20 Years \u2013 Surpassing National Norms<\/mark><\/h2>\n\n\n\n<p>After 15 years in Canada, immigrant households not only match but exceed the housing use patterns of native-born Canadians.<\/p>\n\n\n\n<p>At the 20-year mark:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>321 units are owned per 1,000 people<\/strong><\/li>\n\n\n\n<li><strong>132 units are rented<\/strong><\/li>\n<\/ul>\n\n\n\n<p>Cumulative housing use reaches <strong>454 units per 1,000 individuals<\/strong>, reflecting long-term settlement, intergenerational wealth building, and assimilation into Canada\u2019s housing market.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\"><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-vivid-red-color\">What Explains These Homeownership Trends?<\/mark><\/h2>\n\n\n\n<h3 class=\"wp-block-heading\">1. <strong>Household Composition and Cultural Adaptation<\/strong><\/h3>\n\n\n\n<p>Newcomers often live in <strong>multigenerational households<\/strong> to manage living expenses. Over time, these larger units split into <strong>smaller nuclear households<\/strong>, increasing the number of homes used per capita.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">2. <strong>Economic Integration<\/strong><\/h3>\n\n\n\n<p>Most new immigrants are selected through <strong>economic immigration programs<\/strong>, meaning they arrive with strong <strong>education, work experience, and language skills<\/strong>\u2014all of which contribute to faster financial growth and a greater likelihood of qualifying for mortgages.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">3. <strong>Canadian Norms and Preferences<\/strong><\/h3>\n\n\n\n<p>Over time, immigrant families begin to adopt Canadian cultural norms regarding <strong>housing independence and property ownership<\/strong>, further pushing homeownership rates upward.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\"><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-vivid-red-color\">Final Takeaway<\/mark><\/h2>\n\n\n\n<p>The Statistics Canada report confirms that, while most immigrants start their Canadian journey as renters, they <strong>quickly transition to homeownership<\/strong>, often outperforming the Canadian-born population in housing use within two decades of arrival. This trend highlights the long-term economic contribution of immigrants and their successful integration into Canadian society.<\/p>\n\n\n\n<p class=\"has-white-color has-vivid-red-background-color has-text-color has-background has-medium-font-size\">For a <strong> consultation<\/strong> about Immigration options, reach out to the <strong>CAD IMMIGRATION <\/strong>today!<\/p>\n\n\n\n<div class=\"wp-block-buttons is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-16018d1d wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link has-text-color has-background wp-element-button\" href=\"https:\/\/www.instagram.com\/cadimmigration\/profilecard\/?igsh=aWYzamtvMzlvZHUy\" style=\"border-radius:50px;color:#fffffa;background:linear-gradient(135deg,rgb(135,9,53) 0%,rgb(179,22,22) 100%)\" target=\"_blank\" rel=\"noreferrer noopener\">INSTAGRAM<\/a><\/div>\n\n\n\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link has-text-color has-background wp-element-button\" href=\"https:\/\/www.tiktok.com\/@cad_immigration?_t=8rYlOtSiktj&amp;_r=1\" style=\"border-radius:50px;color:#fffffa;background:linear-gradient(317deg,rgb(135,9,53) 0%,rgb(179,22,22) 100%)\" target=\"_blank\" rel=\"noreferrer noopener\">TIKTOK<\/a><\/div>\n\n\n\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link has-text-color has-background wp-element-button\" href=\"https:\/\/www.linkedin.com\/company\/cad-immigration\/\" style=\"border-radius:50px;color:#fffffa;background:linear-gradient(42deg,rgb(135,9,53) 0%,rgb(179,22,22) 100%)\">LINKEDIN<\/a><\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>A new analysis from Statistics Canada reveals that immigrants to Canada steadily progress toward homeownership as their years of residence increase\u2014and eventually surpass the Canadian-born population in overall housing use. The study, conducted by researchers Haozhen Zhang and Feng Hou, examined housing use trends among new permanent residents and non-permanent residents (such as international students [&hellip;]<\/p>\n","protected":false},"author":12,"featured_media":2738,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[79,83,49,3,78,76,77,57,70,36],"class_list":["post-2737","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-cicnews","tag-cad-immigration","tag-cad-immigration-news","tag-cadimmigration","tag-canadaimmigration","tag-immigration-canada","tag-immigration-new-rules","tag-immigration-new-updates","tag-immigration-trend","tag-immigration-updates-canada","tag-immigrationupdates"],"_links":{"self":[{"href":"https:\/\/cadimmigration.com\/index.php?rest_route=\/wp\/v2\/posts\/2737","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/cadimmigration.com\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/cadimmigration.com\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/cadimmigration.com\/index.php?rest_route=\/wp\/v2\/users\/12"}],"replies":[{"embeddable":true,"href":"https:\/\/cadimmigration.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=2737"}],"version-history":[{"count":1,"href":"https:\/\/cadimmigration.com\/index.php?rest_route=\/wp\/v2\/posts\/2737\/revisions"}],"predecessor-version":[{"id":2739,"href":"https:\/\/cadimmigration.com\/index.php?rest_route=\/wp\/v2\/posts\/2737\/revisions\/2739"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/cadimmigration.com\/index.php?rest_route=\/wp\/v2\/media\/2738"}],"wp:attachment":[{"href":"https:\/\/cadimmigration.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=2737"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/cadimmigration.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=2737"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/cadimmigration.com\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=2737"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}